181 Waterfall Rd, Henderson, NC 27537 Property Records

Vance County property record for 181 Waterfall Rd, Henderson, NC 27537

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,428 sqft · built 2007
Lot Size	0.435 acres (18,949 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Jan 2019)
Tax Bill	$2,265 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0412A01026`

Property Details

APN / Parcel Number

Primary APN	`0412A01026`
Alternative APN	`1026842`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,428 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Roof Type	Hip
Lot Area	18,949 sqft (0.435 acres)
Garage Area	525 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1026842
Street Address	181 WATERFALL RD
City	HENDERSON
State	NC
Zip	27537-6912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	181 WATERFALL RD LOT 117 .435
Legal Block	01
Legal Lot Number	117
Jurisdiction	VANCE NC
Township / Civil Division	DABNEY
Census Block Group	3
Census Block	3022
Census Tract	960300

Owner

181 Waterfall Rd is owned and occupied by an individual who bought it in January 2019.

Source: Vance County records, as of October 21, 2025

Owner of Record	Individual Name on File
Mailing Address	181 WATERFALL RD, HENDERSON, NC 27537-6912
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Apr 30, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Document Number	2019125
Deed Book / Page	1354 / 55
Prior Transfer Date	Apr 25, 2018
Prior Transfer Doc	1342/1047
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Jan 14, 2019
Property Address	181 WATERFALL RD, HENDERSON, NC 27537-6912
Document Number	1354/0055
Book / Page	1354 / 0055
Map Reference	MB X PG 264
Instrument Date	Jan 8, 2019
Instrument	00125
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	973 MEADOW LN, 973, HENDERSON, NC 27536-3852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WATERFALL RD, HENDERSON, NC 27537-6912

Mortgage

Document Number	00126
Date	Jan 14, 2019
Instrument	00126

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Apr 30, 2018
Property Address	181 WATERFALL RD, HENDERSON, NC 27537-6912
Document Number	1342/1047
Book / Page	1342 / 1047
Map Reference	MB X PG 264
Instrument Date	Apr 25, 2018
Instrument	01591
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WATERFALL RD, HENDERSON, NC 27537-6912

Mortgage

Document Number	01592
Date	Apr 30, 2018
Instrument	01592

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 181 Waterfall Rd was $2,265.

Source: Vance County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Vance County
Unified School District	Vance County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,265.00	$263,969 Land $16,530 Building $247,439	$263,969 Land $16,530 Building $247,439
2023	$1,573.00	$148,454 Land $18,000 Building $130,454	$148,454 Land $18,000 Building $130,454

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 181 Waterfall Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2005–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 181 Waterfall Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Nearby Properties on Waterfall Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures